Manufacturing Insurance
Manufacturers face complex risks — product liability lawsuits, equipment breakdowns, supply chain disruptions, and workplace injuries. Our manufacturing insurance programs address the full lifecycle from raw materials to finished product.
Coverages we place
- Product liability for defective products that cause injury or damage
- Commercial property for facilities, machinery, and raw materials
- Equipment breakdown for production machinery and systems
- Business income for production stoppages
- Workers' comp for factory floor and warehouse employees
- Inland marine for goods in transit
- Environmental liability for emissions and waste
- Product recall coverage
Who needs this coverage
Manufacturers of all sizes, food and beverage producers, electronics manufacturers, chemical manufacturers, metal fabricators, plastics manufacturers, and contract manufacturers.
What drives your premium
- Type of products manufactured
- Annual revenue and production volume
- Machinery value and replacement cost
- Number of employees and injury rates
- Product distribution (domestic vs. international)
- Environmental exposure and waste handling
Common exclusions
- Known product defects not disclosed
- Intentional violations of safety regulations
- War and terrorism (separate coverage available)
- Nuclear contamination
- Government-ordered product seizure
Frequently asked questions
What insurance do manufacturers need?
At minimum: product liability, commercial property, equipment breakdown, workers' comp, and business income. Most manufacturers also need environmental liability and inland marine.
How much does product liability insurance cost?
Costs vary widely by product type — food manufacturers pay more than furniture makers. Typical premiums range from $2,500 to $25,000+/year depending on products, revenue, and claims history.
Does my insurance cover product recalls?
Standard product liability covers lawsuits but NOT recall costs. Product recall coverage is a separate policy that covers the expense of retrieving products from the market.
Related coverage
Get a free quote or call (321) 206-8035.